Want Blunt advice for finances, I'm real naive.

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Hey everyone, I'm 23, male and I recently joined a central government organization as a group A officer. Basic pay 56,100. I'm currently undergoing one year of training, which runs till 31st July. During this training, I'm getting a monthly stipend of ₹74,100, plus a one-time ₹30,000 book allowance and a ₹45,000 one-time laptop allowance. I wanted to get some real advice from finance guys who actually know this stuff.

1.There's no financial pressure from home. I'm also posted at a fairly remote location right now, so my day-to-day costs are low; I don't really spend on things like Zomato, Blinkit, or movies unless I step out, which happens maybe once a month.

  1. How much should I actually be saving vs. spending vs. investing every month?

  2. I'm thinking of buying an iPhone 17 and a MacBook Neo coz I'm planning to start making content and really I'm an interesting person and talk a lot.

4.I'm also planning a trip to Thailand or Sri Lanka next year, and I love traveling and never travelled before, so I would go out whenever there will be time but in India. Two trips foreign and 4 in India every year from next year.

  1. Where should this money actually go?

Posted Aug 28, 2026, 7:51 AM UTC

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